--- title: Why bother with a Life Insurance Review? description: One of our agents recently went out door-knocking. Our cold-call case of the week shows us why Life Insurance Reviews are so good for agents and clients. image: https://cdn.prod.website-files.com/6978e65abed067e994e8d3ed/69e0edc39a6f2b446ec622d5_og-5-2-blog.webp --- [![](https://cdn.prod.website-files.com/6978e65abed067e994e8d3ed/697926babf20ddeb2d4ff972_64c7ba8d78ae605d730bbe060cf878ba_NewHorizons-White-Tag.svg)](https://www.newhorizonsmktg.com/) - [Home Home](https://www.newhorizonsmktg.com/) - Agents Agents [Why Us?](https://www.newhorizonsmktg.com/why-new-horizons)[Become an Agent](https://www.newhorizonsmktg.com/become-an-agent)[Sell Your Book](https://www.newhorizonsmktg.com/sell-your-book-of-business)[Support](https://www.newhorizonsmktg.com/support)[Technology & Tools](https://www.newhorizonsmktg.com/tools-technology) Agents Agents [Why Us?](https://www.newhorizonsmktg.com/why-new-horizons)[Become an Agent](https://www.newhorizonsmktg.com/become-an-agent)[Sell Your Book](https://www.newhorizonsmktg.com/sell-your-book-of-business)[Support](https://www.newhorizonsmktg.com/support)[Technology & Tools](https://www.newhorizonsmktg.com/tools-technology) - 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One of our agents recently went out door-knocking. Our cold-call case of the week shows us why Life Insurance Reviews are so good for agents and clients. The client is a 73 year old female, non-smoker. She had the following policies in effect. | ## Current Life Insurance Policies | | | | | --- | --- | --- | --- | | Policy | Premium | Cash Value | Death Benefit | | Policy #1 | $9,379\* | $237,791 | $560,184 | | Policy #2 | $3,029\* | $118,937 | $262,223 | | Policy #3 | None | $36,788 | $49,092 | | **Total** | **$12,408\*** | **$393,516** | **$871,499** | | *\*semi-annual premium* | | | | If we take her cash value of $393,516 and drop it into a new policy with John Hancock, we have 5 really great options to choose from. | ## Options with John Hancock | | | | --- | --- | --- | | Description | Death Benefit | LTC monthly benefit | | 1. Everything the same (apples to apples) | $1,475,209 | None | | 2. No Premium, Life Only | $835,992 | None | | 3. No Premium, Life with LTC | $786,640 | $31,466 | | 4. $3,183\* premium, Life Only | $1,000,000 | None | | 5. $4,513\* premium, Life with LTC | $1,000,000 | $40,000 | | *\*semi-annual premium* | | | This is a case with a **HUGE COMMISSION**! [Contact me for details.](http://www.newhorizonsmktg.com/team/kirk-sarff) [Life Insurance](https://blog.newhorizonsmktg.com/tag/life-insurance) ## Comments ## Read On ### [Life with LTC is very a popular solution - but only if it's offered!](https://blog.newhorizonsmktg.com/life-with-ltc-is-very-a-popular-solution-but-only-if-its-offered) Case Study Here's a case one of our agents submitted, which just got approved this week. ### [Do your current clients have life insurance with another agent?](https://blog.newhorizonsmktg.com/do-your-current-clients-have-life-insurance-with-another-agent) Do you need a reason to offer a Life Insurance Review for your current Medicare Supplement clients? [![Watch the Jargon! Do Your Clients Understand You?](https://blog.newhorizonsmktg.com/hubfs/BlogImages/watch-the-jargon-insurance-industry-people.jpg)](https://blog.newhorizonsmktg.com/watch-the-jargon-do-your-clients-understand-you) ### [Watch the Jargon! Do Your Clients Understand You?](https://blog.newhorizonsmktg.com/watch-the-jargon-do-your-clients-understand-you) A friendly reminder from New Horizons Insurance Marketing! This website is for agent use only. Not for public use or distribution. ![](https://cdn.prod.website-files.com/6978e65abed067e994e8d3ed/697926babf20ddeb2d4ff972_64c7ba8d78ae605d730bbe060cf878ba_NewHorizons-White-Tag.svg) New Horizons Insurance Marketing 122 W. 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